Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/02/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sing up with company in 2023 . For fuel discount program only. They where trying to get me to use with for factorying also . But I declined the offer. But in 2025 june 27 I try to sing up different factorying company. Then I come to find out. That fleetsmarts already filled my UCC. Without my permission . When I asked for proof of contract copy. They sad don't have it . But I wanna get out contract I will have to pay $500. Fee. Which i never agree to any contract.

  Business Response

  Date: 07/03/2025

  Hi,
  
  We completely understand your concern regarding the UCC filing.
  
  Just to clarify, the UCC was filed after your team expressed intent to move forward with our services, specifically the fuel card program. Filing a UCC is a standard step we take during account setup—especially when preparing to fund—while paperwork is still being finalized. That said, we acknowledge that this may not have been clearly communicated at the time, and we sincerely apologize for any confusion caused.
  
  I would also like to clarify that a UCC-1 filing does not require authorization from the debtor. However, because some companies in the industry have been spreading misleading information about UCC filings, we now secure express authenticated records to defend ourselves. Please know it was never our intention to cause frustration—we are simply protecting our business from misinformation that, unfortunately, seems to have reached you.
  
  It’s important to address two key points where other companies may have misled you:
  
  -A UCC filing does not block you from factoring with other companies.
  -A UCC-1 filing typically does not require explicit consent when credit is extended.
  
  We believe it’s critical to recognize where this misinformation may have come from because trust built on false claims could lead to further complications.
  
  That said, we value the opportunity to work with you and would like to offer two options to resolve this matter:
  
  ? Option 1: Proceed with payment of the $500 processing fee, and we will issue the Letter of Release (LOR) within 45 days of your original request.
  ? Option 2: We are willing to waive the $500 fee if you choose to try our services with genuine intent for 60 days. If, after this period, you still wish to discontinue, the LOR will be issued at no additional cost.
  
  We are confident in the value we can provide, including:
  
  -Better factoring options at a competitive price
  -A superior fuel card that covers Loves, Pilot, and all EFS locations—places most carriers prefer
  
  We hope you won’t let misinformation lead you away from an honest partnership. Our goal is to work with you transparently and resolve this matter amicably.
  
  

  Customer Answer

  Date: 07/03/2025

  
  
  Complaint: 23550997
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ******** *****

• Initial Complaint

  Date:06/26/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I m ******* ****** from ******************* my mc number is 1664013-C . - I am seeking to get some help. I never signed up with this company. I have emails from them but never signed any document. They filed a *** on my company and I am in the process of buying a home and its pending because of them. I called and spoke to a *** and told him the situation and he hung up on me. I never used their service, never used their cards and they filed a *** without asking of without signing any of their documents. I need a *** release. Please email me confirmation that *** is being released. I am not paying for service I never used. This is fraud and will take them to court.

  Business Response

  Date: 06/27/2025

  We appreciate you bringing your concerns to our attention.
  
  First and foremost, please note that your account was handled by our Senior Account Specialist, Michelle, and your Account Manager, Hessed Joy. On September 11, 2024, at 10:10 AM (Call Duration: 9 minutes, 25 seconds), you engaged in a recorded conversation in which the following was clearly explained:
  
  Transcript Excerpt:
  Michelle: "And if in case since you've mentioned that you're in the state in California, just wanna let you know that for us to be able to open up a credit line for fuel in the future, we file what's called the UCC-1, which registers us with the state as a payee and allows us to open that fuel credit line maybe in the future if not right now, OK, fair enough."
  
  You responded:
  "Alright."
  Michelle: "So we're gonna be sending you an email for that."
  
  You followed up:
  "I, yeah, I, I can use like, prepaid, right?"
  
  "Yes, you can also do prepaid but in the future you can definitely let us know whenever you're ready to open up a credit line. We just need to do factoring, or you can just look for a different factoring company if you want, OK?"
  
  This conversation confirms that you were informed about the UCC-1 filing as part of our process to offer you a future fuel credit line and that there was acknowledgment and no objection from your end during that call. While you may not have used the fuel card or factoring service afterward, the UCC filing was validly initiated following standard industry protocol and verbal agreement to explore our offerings.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents carriers from factoring with other companies. Why would we do that? Our UCC-1 filing was in place to enable a future fuel credit line—not to restrict your ability to do business elsewhere. If another factoring company is advising you otherwise, it may be a strong indication they are trying to pressure you into removing our filing so they can lock you into their services—often at higher rates and without transparency.
  
  Unfortunately, such tactics are becoming more common among certain legacy factoring companies that struggle to compete with Fleetsmarts' all-in-one, low-rate offerings. These companies often coach customers—who had previously agreed to our services—into making public complaints in hopes of voiding legitimate filings. This pattern has been repeated and documented in several cases.
  
  To clarify, here’s what FleetSmarts brings to the table:
  ? Fuel Credit Lines
  ? Discounts at All Major Truck Stops
  ? Insurance Down Payment Assistance
  ? Equipment Financing
  ? Factoring with the Market’s Lowest Rates
  
  Fleetsmarts is a true one-stop-shop committed to helping carriers grow their businesses with transparent, affordable solutions.
  
  We understand you're currently navigating a home purchase, and we’re willing to revisit this conversation in good faith. If you're open to resolving this matter amicably, please contact our team directly at (801) 893-3600 or reply to this message so we can work toward a solution that supports both your personal and business goals.
  

• Initial Complaint

  Date:06/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Sometime in December, 2024, I was contacted by ***** of Fleetsmarts, **********************************************, with an offer for insurance, factoring, and a fuel line of credit. *****, is an account manager based in ********** and works for Fleetsmarts remotely. I had just registered my trucking company. I advised ***** I was looking for quotes and was not ready to move forward as I was in the process of purchasing my truck. He made follow up calls in February and April, and I kept telling him I was not ready. In all these instances, there was no agreements in place, just conversations. My team and I have been shopping around and found a company that will cater to our needs. Upon processing our insurance with a company of choice, I was advised that we need to get a Letter of Release from Fleetsmarts. This is the 1st time my admin or I heard of anything binding. Upon reaching out to Fleetsmarts, were told we verbally agreed to work with them once we were ready, they have filed a UCC1 for us and we have to work with them for at least *********************************** authority to make such filings on our behalf without our knowledge and was told our continuous conversations were binding. I asked for the contact they allege we signed or agreed to these terms. All I am getting is it was a verbal agreement and now they want $500 and a signed document. Only then can we get the release letter we seek, plus that process for the release takes 45 days regardless. Should, we want to terminate our contract we have to pay them $500 and still wait 45 days. I have to get insurance for my business in place and proceed with our commitments elsewhere

  Business Response

  Date: 06/26/2025

  Hi,
  
  We would like to better understand your perspective and would appreciate some additional context. Specifically, what makes you believe that a UCC filing prevents other factoring companies from doing business with you?
  
  To clarify, a UCC-1 filing should not stop other factoring companies from factoring your loads. It is a standard security interest document that protects the lender or factor but does not restrict your ability to engage with other factoring companies. As long as the UCC-1 filing is properly managed, you are free to work with any factoring provider, provided the terms are clear between all parties.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our filing was in place to offer you a fuel credit line, not to restrict your business. If another factoring company is telling you otherwise, it’s a strong sign they are manipulating you into removing our filing so they can lock you into their own services—without competition and often at higher rates.
  
  Unfortunately, these tactics are common among unscrupulous factoring companies—who struggle to compete with Fleetsmarts’ comprehensive programs—have taken to spreading misinformation to eliminate us as competition. We offer the lowest factoring rates in the market when bundled with fuel, and that’s why many legacy factoring companies resort to dishonest tactics.
  
  Here’s what Fleetsmarts offers:
  Credit Lines
  Fuel Discounts at All Major Truck Stops
  Insurance Down Payment Financing
  Equipment Financing
  Factoring with the Market’s Lowest Rates
  
  Because we’re a true one-stop solution, many legacy factoring companies feel threatened, and instead of improving their offerings, they coach customers—who initially agreed to our services—into blackmailing Fleetsmarts with negative BBB reviews to try to cancel their commitments.
  
  In fact, nearly every bad review we receive includes a prior threat from the customer to post publicly unless we amended or voided the agreement. This pattern is consistent and well-documented.
  
  We encourage you to take a closer look at what Fleetsmarts truly offers. We are here to support your business with honest solutions, fair rates, and unmatched value. If you're willing to revisit the conversation in good faith, we’d love to show you what a real partnership looks like.
  
  

• Initial Complaint

  Date:06/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wrongfully filed *** against my corporation.They want to charge me $500. For resolution of the letter.I have not entered into contract or agreement with Fleetsmarts, or used any services.

  Business Response

  Date: 06/25/2025

  Dear Mr. Corral,
  
  
  Thank you for bringing your concerns to our attention. After reviewing your account and the recorded call that took place on May 29, 2025, at 11:16 AM with our Senior Account Specialist Janlord and your Account Manager Prince, we would like to clarify the details of your interaction with Fleetsmarts.
  
  During the call, our representative explained that, as part of the process of setting up a fuel credit line with no credit check, we file a UCC-1 financing statement with the state. This is standard protocol for establishing a fuel line of credit.
  
  At the time, Janlord stated:
  “To prepare everything in our system and to open up a credit line for the fuel card in the future as well, we file what's called the UCC one to register us with the state as the payee and allow us to open that fuel credit line for you, OK?”
  
  To which you responded:
  “OK.”
  
  He then followed up by informing you:
  “Now we sent you the email, sir. Check that later and make sure everything looks good to you.”
  
  This exchange clearly shows that you verbally agreed to proceed, and it is on this basis that we initiated the UCC filing. Those follow-up actions justify the UCC filing in accordance with federal and industry standards.
  
  We would also like to emphasize that our UCC filing does not restrict you from working with other factoring companies. Many carriers we work with have UCCs filed and continue successful relationships with their preferred partners. However, if your factoring company requires the UCC to be released, we have provided two clear and reasonable resolution options:
  
  -Pay a one-time $500 administrative fee – The UCC will be terminated after 45 business days.
  -Use the Fleetsmarts program for 60 days – You will receive a free and immediate release after completing the 60-day term.
  
  These options are consistently offered to all clients in similar situations and are designed to be fair while accounting for the administrative costs associated with contract setup and UCC termination.
  
  We are committed to working with you in good faith and resolving this matter professionally. Please let us know which option you would like to pursue, and our team will assist you accordingly.
  
  

  Customer Answer

  Date: 06/25/2025

   
  
  Complaint: 23510631
  
  
  
  I am rejecting this response because:
  There are no legal binding, signed contracts. ( offer for 1 free rewards fuel card) 
  
  Sincerely,
  
  
  
  Jose Corral

  Business Response

  Date: 06/26/2025

  Dear Mr. Corral,
  
  Thank you for your reply. We understand that you are rejecting our previous response based on the absence of a signed contract.
  
  To clarify, under UCC guidelines and applicable business law, a signed agreement is not strictly required for a valid UCC-1 filing. A verbal agreement, accompanied by clear intent to proceed and documented business communication, is considered legally sufficient in the context of establishing a secured interest. This standard applies especially when credit-based services are being prepared or extended.
  
  That said, we want to resolve this matter professionally and fairly. As previously stated, you may proceed with either of the following options:
  
  Option 1:
  Pay a one-time administrative fee of $500
  – The UCC-1 will be terminated and a Letter of Release issued within 45 business days.
  
  Option 2:
  Use our services for 60 consecutive days
  – After completion, the UCC-1 will be released free of charge and immediately upon request.
  
  Please let us know which option you’d like to proceed with so we can assist you accordingly.
  
  

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23510631
  
  
  
  I am rejecting this response because:
  
  I will pursue legal actions 
  
  Sincerely,
  
  
  
  Jose Corral

• Initial Complaint

  Date:06/23/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint to warn others and to document a deeply unprofessional and possibly fraudulent experience with Blue Water Capital/Fleetsmarts. I have become the target of what appears to be a verbal UCC scam. I have repeatedly requested a Letter of Release (LOR) due to an unauthorized UCC-1 filing that is preventing me from setting up with factoring company. Despite asking for proof of a signed contract that would justify this filing, the company failed to provide any documentation. They record your conversations with the representatives and then use those conversations to claim you agreed to use their services, but they provide no notification of you being recorded so beware- they are illegally recording and using these conversations against you. They then refuse to speak with you when you start recording the conversations. I have since been subjected to repeated harassing phone calls. The representative named "******" now only calls and remains silent before hanging up because I have started to record our phone calls amidst all the bad reviews I have read. They refuse to provide an invoice for the $500 they claim they need to release the LOR but fail to provide an invoice or receipt for payment received, has not provided any written proof of a contract or transaction or agreement, and is not responding professionally. I have exhausted all reasonable attempts to resolve this issue. Given the unresponsiveness and suspicious conduct of this company, I have now filed a police report and am pursuing legal action. I am also submitting formal complaints to the FTC, CFPB, and state authorities.
  I have decided to file a police report and pursue legal action.

  Business Response

  Date: 06/25/2025

  Hi,
  
  Thank you for your message. We take all customer concerns seriously and are committed to addressing this matter in a transparent and professional manner.
  
  To clarify, the UCC-1 filing was initiated as part of the process of establishing a credit line, which is a standard procedure based on your intent to move forward with our services. This filing is not intended to restrict your ability to work with other providers. In fact, we work with many carriers who have existing UCC filings in place and successfully partner with factoring companies every day.
  
  We understand your request for a Letter of Release (LOR), and we want to be clear that we provide this upon fulfillment of either of the following two options:
  
  1. Pay a one-time fee of $500 – The LOR will be issued after 45 business days from the date of payment. This covers the administrative fee.
  
  2. Work with us for 60 days – After 60 consecutive days of active service, the LOR will be issued free and immediately upon request.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our filing was in place to offer you a fuel credit line, not to restrict your business. If another factoring company is telling you otherwise, it’s a strong sign they are manipulating you into removing our filing so they can lock you into their own services—without competition and often at higher rates.
  
  Unfortunately, these tactics are common among unscrupulous factoring companies—who struggle to compete with Fleetsmarts’ comprehensive programs—have taken to spreading misinformation to eliminate us as competition. We offer the lowest factoring rates in the market when bundled with fuel, and that’s why many legacy factoring companies resort to dishonest tactics.
  
  Here’s what Fleetsmarts offers:
  -Credit Lines
  -Fuel Discounts at All Major Truck Stops
  -Insurance Down Payment Financing
  -Equipment Financing
  -Factoring with the Market’s Lowest Rates
  
  Because we’re a true one-stop solution, many legacy factoring companies feel threatened, and instead of improving their offerings, they coach customers—who initially agreed to our services—into blackmailing Fleetsmarts with negative BBB reviews to try to cancel their commitments.
  
  In fact, nearly every bad review we receive includes a prior threat from the customer to post publicly unless we amended or voided the agreement. This pattern is consistent and well-documented.
  
  We encourage you to take a closer look at what Fleetsmarts truly offers. We are here to support your business with honest solutions, fair rates, and unmatched value. If you're willing to revisit the conversation in good faith, we’d love to show you what a real partnership looks like.
  
  

  Customer Answer

  Date: 06/25/2025

  
  
  Complaint: 23508577
  
  
  
  I am rejecting this response because:   I am not interested in conducting any business with Fleetsmarts or Blue Water Capital. The UCC-1 filing was made based on a verbal agreement, without written consent or supporting documentation.
  To date, Fleetsmarts has failed to provide any valid documentation substantiating the lien. As you are aware, UCC Section 9-611 requires that a debtor be informed and provide consent prior to such a filing. Filing a UCC-1 without such consent and notice is a clear violation of this provision.
  I am therefore requesting that you promptly issue a Letter of Release to terminate this unauthorized UCC filing.

  
  Sincerely,
  
  

  Business Response

  Date: 06/26/2025

  Hi,
  
  To clarify, the UCC-1 filing was not made arbitrarily or without basis. It was submitted based on your intent to move forward with our services, specifically a fuel credit line. This is a standard practice across the industry and allows us to prepare and protect the credit we extend to carriers during the setup process.
  
  That said, we understand you wish to part ways and are offering two straightforward resolution paths:
  
  Option 1:
  Pay a one-time administrative release fee of $500
  — Upon receipt of payment, the UCC-1 will be terminated and the Letter of Release will be issued within 45 business days.
  
  Option 2:
  Complete 60 consecutive days of active service with us
  — After the 60-day period, the Letter of Release will be issued free of charge and without delay.
  
  Please note that the UCC-1 filing does not prevent you from working with other factoring companies, and any claims to the contrary are often used as tactics to push clients into exclusive contracts.
  
  We are here to support your business and resolve this as quickly as possible. Let us know how you would like to proceed, and we will take the appropriate next steps.
  

  Customer Answer

  Date: 06/27/2025

  
  
  Complaint: 23508577

  I
  am rejecting this response because:  I am not, and will not be, engaging in any business with
  Fleetsmarts or Blue Water Capital.
  The UCC-1 financing statement was filed based solely on a
  verbal discussion. As there is no signed security agreement or written
  authorization, this filing lacks legal standing under UCC §9-509 and
  is therefore deemed unauthorized.
  Furthermore, demanding payment for the release of this
  unauthorized filing is unacceptable and may be construed as coercive or
  unlawful. You are not entitled to any form of compensation in this matter.
  I hereby reiterate my request that you immediately issue
  a Letter of Release. Failure to comply may result in further action,
  including but not limited to filing a complaint with the appropriate state
  authorities.
  
  
  
  
  
  Sincerely,
  
  
  
  ****** *********

  Business Response

  Date: 06/30/2025

  Hi,
  
  We understand and acknowledge your concerns regarding the UCC-1 filing. As previously communicated, this filing was submitted in connection with your expressed intent to proceed with our services, specifically for establishing a fuel credit line, in line with standard industry practices.
  
  That being said, our process for addressing release requests remains unchanged. To maintain consistency, fairness, and compliance within our operations, there are two available options for resolving this matter.
  
  At this time, no alternative resolutions are being offered outside of these two options.
  We respect your decision regarding your business affiliations and sincerely regret that we could not establish a working relationship. Should you wish to proceed with one of the available options, please contact our office directly to initiate the appropriate next steps.
  

• Initial Complaint

  Date:06/21/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My company name is **** ************** ***
  Dot ******* this company called me talked about a fuel card I get it after a few days I see they put a UCC on my company they did that to a lot of new company I don’t used their fuel card I don’t used their factory I need a release letter send to me

  Business Response

  Date: 06/24/2025

  Dear *****,
  
  Thank you for sharing your concerns.
  
  After reviewing your complaint, we’d like to clarify several important points regarding your interaction with Fleetsmarts.
  
  First and foremost, you were not forced to sign any contract. The services offered to you—including the fuel card and associated credit line—were explained clearly, and your participation was entirely voluntary. At no point were you coerced or misled into agreeing. In fact, during your recorded onboarding call, the process of filing a UCC-1 to open a fuel credit line was explained, and you acknowledged and accepted it without objection.
  
  Here is a portion of the call transcript:
  
  “You're based out in Florida, right ******?”
  
  *****: “Yes, yes.”
  
  “OK good. Now, in the state of Florida, to open up a credit line for fuel, we file what's called the UCC-1 which registers us with the state as a payee and allows us to open that fuel credit line with no credit check needed.”
  
  “OK, ******.”
  
  This acknowledgment served as your consent to proceed, and the UCC-1 was filed accordingly as part of setting up the credit line you requested.
  
  Due to file restrictions on the BBB site we can not upload the MP3 file, but have attached the email confirmation sent to the following email *************************.
  
  We would also like to correct the misconception that a UCC-1 filing prevents you from factoring with other companies. This is not true. Some factoring companies use this false claim as a tactic to pressure new carriers into switching providers by spreading misinformation. The purpose of the UCC-1 filing is solely to secure the credit line extended to you—it does not block you from using other services.
  
  We remain committed to helping carriers like you succeed, and we are proud to offer:
  
  Fuel discounts across all major truck stops
  Equipment and insurance down payment financing
  Factoring with the most competitive rates in the market
  Flexible credit lines—even for new authorities
  
  We want to resolve this matter with you directly. To help with that, a member of our team will be reaching out to you by phone to discuss your concerns and walk you through your options. Thank you again for your time and for allowing us the opportunity to clarify the facts.
  
  

• Initial Complaint

  Date:06/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fleetsmart blue water capital has illegally filed a ucc on my name and business. They snuck in a factoring application in the same docusign as the fuel application. We have asked nicely, screamed and yelled and have tried everything for them to release our ucc. We do not want to do factoring with us. They tricked us. This company is a scam! And they are based over seas in the Philippines and they are doing illegal practices. Please help me get my UCC released!!! They are asking us to pay 2500 dollars for something we did not sign up for.

  Business Response

  Date: 06/24/2025

  Dear *****,
  
  Thank you for sharing your concerns. We understand your frustration and take your feedback seriously. After a full review of your account, including the recorded phone call dated June 6, 2025, and related documentation, we would like to clarify the following:
  
  The UCC-1 filing was made as part of opening a fuel credit line, not for factoring services. This was fully disclosed and acknowledged during your call with our Account Manager, *****, and our Senior Account Specialist *******.
  
  Below is the relevant transcript excerpt:
  
  ******* (0:05):
  “To prepare everything in our system and to open up the credit line for the fuel card, we file what’s called a UCC-1 to register us with the state as the payee and allow us to open the fuel credit line for you as well, OK?”
  
  Customer: “OK, OK. What’s the process for that?”
  
  ******* (0:25):
  “We’re just letting you know. Since we don’t do any kind of credit check, in order to prepare the fuel credit line, we’ll be filing the UCC-1 so we register ourselves as the payee, because we’ll be paying for your fuel first before we collect the payment after a week, alright?”
  
  Customer: “OK, OK, OK, OK.”
  
  This confirms that the UCC filing was explained, and no deception took place. We do not “sneak” factoring into any agreement. If you believe you were misled, we encourage you to revisit the email confirmation that was sent to ***************************** immediately after your call, which outlines the program and terms.
  
  2. Factoring Is Optional
  We’d like to emphasize again: factoring through Blue Water Capital (DBA Fleetsmarts) is not mandatory. Many of our customers choose to use our fuel-only option. Our UCC filing is a standard practice tied solely to the fuel credit line. If another factoring company refuses to work with you because of this filing, we urge you to request written proof from them. Unfortunately, it’s not uncommon for factoring competitors to use misleading tactics to create fear or confusion.
  
  3. Fee and Release
  We want to clarify that your signed Terms of Agreement clearly state:
  “e. Fleetsmarts provides, at additional cost, Letter of Release and Buyout Agreements upon request.”
  This clause applies to customers who choose not to fulfill their commitment or wish to terminate the UCC and related services early. In your case, based on the level of service setup, documentation, and administrative processing, that cost is $2,500.
  
  This fee is not arbitrary. It is a buyout offer based on the resources already allocated to your account and reflects your early cancellation request.
  
  If your intention is to release the UCC filing without further use of our services, we’re open to reviewing a formal buyout proposal. Our team is willing to work with you fairly, but threats, false claims, and public defamation do not lead to resolution.
  
  We understand you’re upset and want your UCC released. Our team is still open to resolving this in good faith. If you're willing to revisit the situation constructively, please have your line open because our team member is reaching you out. We are here to assist you with the next steps.
  
  We appreciate the chance to respond and clarify, and we remain committed to working with you toward a resolution that respects both parties.
  

• Initial Complaint

  Date:06/17/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has done a UCC Filing on our behalf for factoring services without our knowledge or consent, and now demanding $5oo to be paid to have UCC filing removed within 45 days or to use their services for 90 days and have filing removed after.

  Business Response

  Date: 06/24/2025

  Thank you for reaching out and sharing your concerns—we truly appreciate the opportunity to address this.
  I completely understand your frustration regarding the UCC-1 filing, and I want to offer some clarity on how and why it was done.
  
  The UCC was filed after your team expressed intent to move forward with factoring (and potentially dispatching) with us. Filing a UCC-1 is a standard part of the account setup process when we’re preparing to extend credit and finalize funding documents. To help clarify a few key points:
  
  A UCC-1 filing does not prevent you from working with another factoring company. It simply serves as a notice of our security interest.
  
  We’re also aware that some companies in the industry may present UCC filings in a way that causes confusion. Unfortunately, that seems to have happened here—and we want to reassure you that our goal is never to cause unnecessary stress, but to ensure both parties are protected throughout the process.
  
  With that said, we want to provide a fair and transparent path forward. You have two options:
  
  Option 1:
  We can issue a Letter of Release (LOR) within 45 days of your request upon receipt of the standard $500 processing fee.
  
  Option 2:
  You’re welcome to try our services—factoring and/or fuel—for 60 days. If you decide not to continue after that period, we’ll waive the $500 fee and issue the LOR at no additional cost.
  
  We believe in the value we offer—fast, reliable factoring, competitive fuel discounts (including access to Loves, Pilot, and EFS-covered locations), and responsive customer support.
  
  We’d love the chance to earn your trust and show you the difference we can make for your business. Please don’t hesitate to reach out if you have any further questions or would like to move forward with either option.
  
  

  Customer Answer

  Date: 06/24/2025

  
  
  Complaint: 23480997
  
  
  
  I am rejecting this response because: We never entered in to any contract or agreement written or verbal. To simply ask someone to send additional information to review is not intent, that is research to see if what is offered is something we are interested in and aligns with our company. We already have a fuel account which is what I expressed last year but the rep wanted to send additional information. We will not use services from a company with shady business practices and will not pay $500 to have the LOR completed when we are not contracted with you. That is strong arming someone in to utilizing your services or pay an outrageous fee to be free to use who we wish. Currently we are unable to go forward with the company we chose because you have placed this lien on our business with no knowledge or approvals on our side.
  
  
  
  Sincerely,
  
  
  
  ***** **********

  Business Response

  Date: 06/25/2025

  Hi,
  
  As previously communicated, filing a UCC-1 is a standard part of our account setup process when a business expresses interest in factoring services and submits preliminary information for account preparation.
  
  In fact, many of our current clients maintain UCC filings from their previous or current factoring companies, and we work with them regularly without issue.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our filing was in place to offer you a fuel credit line, not to restrict your business. If another factoring company is telling you otherwise, it’s a strong sign they are manipulating you into removing our filing so they can lock you into their own services—without competition and often at higher rates.
  
  Unfortunately, these tactics are common among unscrupulous factoring companies—who struggle to compete with Fleetsmarts’ comprehensive programs—have taken to spreading misinformation to eliminate us as competition. We offer the lowest factoring rates in the market when bundled with fuel, and that’s why many legacy factoring companies resort to dishonest tactics.
  
  Here’s what Fleetsmarts offers:
  Credit Lines
  Fuel Discounts at All Major Truck Stops
  Insurance Down Payment Financing
  Equipment Financing
  Factoring with the Market’s Lowest Rates
  
  Because we’re a true one-stop solution, many legacy factoring companies feel threatened, and instead of improving their offerings, they coach customers—who initially agreed to our services—into blackmailing Fleetsmarts with negative BBB reviews to try to cancel their commitments.
  
  In fact, nearly every bad review we receive includes a prior threat from the customer to post publicly unless we amended or voided the agreement. This pattern is consistent and well-documented.
  
  That said, our release policy remains as follows:
  Option 1:
  We will issue a Letter of Release (LOR) within 45 days of your formal request upon receipt of our standard $500 administrative processing fee.
  
  Option 2:
  You may utilize our services for 60 days with no obligation to continue. If you choose not to move forward after that period, we will process the LOR at no additional cost.
  
  We encourage you to take a closer look at what Fleetsmarts truly offers. We are here to support your business with honest solutions, fair rates, and unmatched value. If you're willing to revisit the conversation in good faith, we’d love to show you what a real partnership looks like.
  

• Initial Complaint

  Date:06/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband and I started a hotshot trucking company and were cold-called by a representative from Fleetsmarts names ***. He offered us a fuel card and factoring. We clearly told him we already had a factoring company and were only interested in the field card. He asked if he could place a UCC-1 lien on our business, we didn’t understand the implications, and my husband said only of it didn’t interfere with factoring through Truckstop. *** assured us it wouldn’t. We never signed a contract or activated the cards. But shortly after, Truckstop notified us that they couldn’t factor for us because of the lien placed by Fleetsmarts. We called Fleetsmarts, and *** said we have to pay a $500 administration fee to get a letter of release. We felt coerced into paying it so we could move on with our business. The wire transfer instructions listed Blue Water Capital, but the bank could not verify the legitimacy of their listed addresses. We were not allowed to speak to anyone from Blue Water Capital and *** would not return our phone calls. They promised we would receive the letter of release on the 16th and they did not send it. We are requesting the immediate release of the UCC-1 lien and the letter of release as promised. This lien is actively harming our business.

  Business Response

  Date: 06/24/2025

  Hi ********,
  
  Thank you for sharing your concerns. We understand how important uninterrupted operations are to your business, and we appreciate the opportunity to clarify the matter.
  After thoroughly reviewing your account and the recorded call dated April 10, 2025, we would like to address the following key points:
  
  1. Consent and Communication
  During the 18-minute phone call with our Account Manager, ***, your husband acknowledged the setup process for the fuel card and fuel credit line. As clearly explained on the call, a UCC-1 filing is required to register Blue Water Capital (DBA Fleetsmarts) as a secured party and establish the fuel credit line. This is a standard industry procedure and was not intended to interfere with your existing factoring arrangements. A confirmation email was also sent to your business email, *************************.
  
  To further clarify, during the recorded phone call on April 10, 2025, our Account Manager explained the UCC-1 filing process in connection with the fuel credit line. Here is a portion of the transcript from that conversation:
  
  Senior Account Specialist: “Just to your friends and families, alright, so we can start with the fuel card so you can see how everything works and while waiting for the fuel card to arrive since you're based here in the state of Texas to prepare everything in our system and to open up a credit line for the fuel card is we file what's called a UCC one to register us with the state as a payee and allows us to open a fuel credit line for you, OK?”
  
  *****: "OK.”
  
  Senior Account Specialist: "And we sent you an email you can check that when we get off the phone and make sure everything looks good to you sir just let us know if you got questions or concerns, and in that email we'll include all the promotions we do."
  
  This statement confirms that the UCC-1 filing was disclosed during the call and acknowledged. We hope this clears up any misunderstanding surrounding the filing process.
  
  2. Factoring Concerns
  We want to emphasize that the UCC filing was strictly related to the fuel credit line, not factoring.
  
  Blue Water Capital (DBA Fleetsmarts) does not prevent clients from factoring with other companies, nor do we interfere with your ability to choose the financial partners that are right for your business.
  
  We acknowledge your payment of the $500 administrative fee and understand your concern regarding the delay in receiving your Letter of Release. While the letter was originally scheduled to be sent on June 16, please note that our team actively followed up with our UCC Department throughout that day, awaiting the release of the documentation. We want to assure you that our team did not fall short in doing our part—we consistently pushed for the release and remained in communication to ensure your request was prioritized.
  
  We understand this experience has been frustrating, and we sincerely apologize for any confusion or delays you’ve encountered. Our goal is to resolve this matter fairly and promptly so your business can continue to grow.
  
  

• Initial Complaint

  Date:06/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 29th 2025 I received a phone call from fleetsmart an offer for fuel card for my new business. After the phone call ended they sent me email to sign their agreement. I never signed their agreements, never contracted with them also never used their fuel cards . They proceeded to file ucc for my company claiming that they have recorded voice as agreement. When I asked a termination letter they said that they have only 2 options for me
  1: pay $500 and get termination letter after 45 days
  2: to work with them 60 days and get termination letter for free.
  Fleetsmart is forcing me to do business with them otherwise I would have to pay for a business that I have never used . We sent almost everyday email requesting to terminate the ucc they filed which it seems that they are ignoring.
  This makes impossible to work with my desired factoring company .

  Business Response

  Date: 06/18/2025

  I'm sorry you feel this way, but I’d like to clarify what actually happened after reviewing your account and the initial call you had with our General Manager, *******.
  
  During that call, ******* explained that in order to open a fuel credit line with no credit check, we would need to file a UCC-1 to register with the state. He said, “To open up a credit line for fuel we file what's called a UCC one which registers us with the state as a payee and allows us to open that fuel credit line with no credit check needed, OK *****?” and you responded positively.
  
  He then followed up with, “We just sent the email with some details. Look that over if you can when we get off the phone and make sure everything looks right, OK *****?” and you replied, “Oh, alright, thank you so much.”
  
  That clearly shows you understood and agreed to move forward. As we sent the agreement by email right after the call.
  
  Even though you didn’t sign electronically, your verbal confirmation and our follow-up justify the UCC filing. That filing secures the credit line that was opened and does not prevent you from working with another factoring company. If that company requires the UCC to be removed, we’ve offered two options: pay a $500 administrative fee for immediate termination, or use the program for 60 days and receive a free release. 
  
  We’ve responded to your emails and clearly explained these options. Due to file limits on the BBB site, we can’t upload the MP3 file of the call, but it’s on record and confirms what was agreed.
  
  We’re still open to resolving this with you. If you have any questions, feel free to call us directly.
  
  

  Customer Answer

  Date: 06/18/2025

  
  
  Complaint: 23468481
  
  
  
  I am rejecting this response because: 
  I never agreed to a UCC filing against my business also I don’t want sign your agreement .And do not want to do business with Fleetsmarts.
  I Need to be removed the ucc filling and send me the termination letter . As my desired factoring explained to you through emails Fleetsmart don’t have to pay the administrative fee. They need only permission from you . They are willing to work the cost of the termination 
  Please reply their  emails they sent .  
  again we need only permission letter from fleet smart .

  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 06/25/2025

  Dear Mr. *****,
  
  Thank you for your follow-up and the opportunity to clarify the facts surrounding your interaction with Fleetsmarts.
  
  To be clear: we do not force anyone to do business with us, but we also can’t void a credit-based filing simply because you changed your mind after verbally agreeing.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our UCC filing was only in place to provide you with a fuel credit line—not to restrict your business.
  
  If your factoring company is telling you otherwise, it's a red flag. Many legacy factoring companies are known to manipulate customers into pressuring Fleetsmarts to release filings—not for your benefit, but to remove us as competition. These companies often have higher rates and less comprehensive services, and they feel threatened by what Fleetsmarts offers:
  
  Fuel Discounts at All Major Truck Stops
  Credit Lines
  Insurance Down Payment Financing
  Equipment Financing
  Factoring with the Market’s Lowest Rates
  
  This is why we’ve seen a growing number of cases where factoring companies coach clients to leave negative reviews or file complaints—after previously agreeing to our terms—so they can secure your business without competition.
  
  We are still open to working with you. If you prefer to pay the administrative fee, we’ll proceed with releasing the UCC per the agreed timeline. If you’re open to giving the program a fair try, you’ll receive the release at no cost after 60 days.
  
  Again, our goal is to provide valuable solutions, not roadblocks. We invite you to take another look at what Fleetsmarts truly offers—and if you're willing to have a good-faith conversation, we’d be happy to explore how we can support your business.
  

  Customer Answer

  Date: 06/30/2025

  
  
  Complaint: 23468481
  
  
  
  I am rejecting this response because:

  i never authorized to record my voice to  file ucc against my company. why fleetsmart is doing this small trucking companies like mine . This is only hurting and giving hard time to my business.

  This is scam and I will find legal actions from now on. 
  
  
  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 06/30/2025

  Dear Mr. *****,
  
  I want to sincerely clarify that it is not our intention to give you or your business a hard time. Our goal has always been to offer services that support small trucking companies, not hinder them.
  
  We understand that there may have been a misunderstanding about the process and what was agreed upon during your phone call with our team. The UCC filing was placed in accordance with the procedures explained in that call, as it is required to open a credit line.
  That said — we are still open to resolving this matter with you fairly and professionally.
  
  The available options remain:
  
  Pay the $500 administrative fee for immediate UCC release, or
  Use the program for 60 days and receive a termination letter at no cost.
  
  Additionally, as previously stated, our filing does not block your ability to work with a factoring company. If your factoring provider requires permission for subordination or termination, they are welcome to reach out directly to our office, and we will review it promptly.
  
  We are not here to cause difficulties for your business, and we remain committed to finding a resolution.